"According to Article 16 of the Regulations on the Administration of Credit Information Industry," the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or events. If it has been more than 5 years, it should be deleted. "If there is a bad credit record, it will be deleted by the credit information center after five years. The recovery time of credit information is 5 years, provided that your bad behavior has been terminated, such as the loan has been paid off. According to the regulations of the central bank, users' bad records will be kept for 5 years, and will be automatically deleted after 5 years, and then your credit information will be restored to a good state. "